First National Bank & Trust Company of Columbus

First National Bank & Trust Company of Columbus is headquartered in Columbus and is the 17^st largest bank in the state of Nebraska. It is also the 1,505^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 95 employees at 4 locations. First National Bank & Trust Company of Columbus has a 5-star health rating.

Data for Q1 2012

Institution Statistics First National Bank & Trust Company of Columbus FDIC Certificate # 5393 BankRate Report View Year Established 1906 Employees 95 Primary Regulator OCC Assets and Liabilities Assets $445.29 million Loans $282.79 million Deposits $382.69 million Equity Capital $33.88 million Loan Loss Allowance $2.76 million Unbacked Noncurrent Loans $338,000 Historic Data - March 2011 Assets $406.67 million Equity Capital $31.71 million Loan Loss Allowance $2.62 million Unbacked Noncurrent Loans $311,000 Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 1% Return on Equity 12.86% Interest Income $3.84 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First National Bank & Trust Company of Columbus had $338,000 in non-current loans and owned real-estate with $36.64 million in equity and loan loss allowances on hand to cover it. This gives First National Bank & Trust Company of Columbus a Texas Ratio of 0.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank & Trust Company of Columbus held steady from 0.91% as of March 31, 2011 to 0.92% as of March 31, 2012, resulting in a negative change of 1.82%. This indicates that the balance sheet and financial strength for First National Bank & Trust Company of Columbus has held steady in recent periods. Deposit Growth In the past year, First National Bank & Trust Company of Columbus has increased its total deposits by $23.92 million, resulting in 6.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank & Trust Company of Columbus has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank & Trust Company of Columbus has $445.29 million in assets with $36.64 million in equity, resulting in a capitalization level of 8.23%, which is average.

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